MOVA / Protection advice
Protection for your family and income.
Life insurance, critical illness cover and income protection, explained around your life and your budget.
Personal advice · No pressure to proceed
Cover and claims are subject to policy terms, definitions and exclusions. Acceptance and premiums depend on underwriting.
Protection providers on our panel
- Aviva
- Beagle Street
- British Friendly
- Cirencester Friendly
- Guardian
- Holloway Friendly
- Legal & General
- LV=
- MetLife
- National Friendly
- OneFamily
- Royal London
- Scottish Widows
- Shepherds Friendly
- The Exeter
- Unum
- Vitality
- Zurich
Three types of cover
Different protection. Clear purposes.
See what each policy is designed to do, then explore the cover that relates to your life.
For the people who depend on you
Life insurance
A lump sum for your family if you die during the policy term. It could help with the mortgage, debts or everyday costs.
Support after a covered diagnosis
Critical illness cover
A lump sum if you meet a covered condition and severity definition. It can help you manage the financial impact.
For the income you rely on
Income protection
A regular benefit if illness or injury stops you working under the policy definition. It replaces part of your earnings.
Unsure which cover you need? Start with your priorities, existing benefits and budget.
These policies do different jobs. Life cover does not usually pay your bills while you are off work through illness, and income protection does not normally cover redundancy. All claims must meet the relevant policy terms.
Already have cover?
Check what you have.
Before changing anything.
A new mortgage, a growing family or a change of job can be a useful prompt to review your protection. Keeping an existing policy may be the right outcome.
Do not cancel existing cover until any replacement has been accepted and is in force. New cover may cost more or have different exclusions.
- Your current policiesThe cover, premium, remaining term and any exclusions or useful features.
- Support through workEmployer sick pay, death-in-service benefits and what happens if you change jobs.
- Your life todayIncome, mortgage or rent, dependants and the amount you can comfortably budget.
Free household buffer tool
How long could
your savings help?
If illness stopped you working, what income would still come in? Explore a simple household budget scenario. No sign-up needed.
Start with a monthly snapshot
How this tool works
Monthly shortfall = spending minus continuing income, with a minimum of zero. Savings duration = accessible savings divided by that shortfall. It assumes unchanged income and costs, with no inflation, savings interest or investment returns. It does not calculate benefit entitlement or model changes in sick pay. Try separate scenarios for different periods.
Savings could cover the shortfall for
—months
This is a budget illustration, not the amount of insurance you need or could claim.
Your figures stay in this page until you choose to include them in an enquiry. Reloading clears them.
Existing policies, employer benefits, available support and your wider finances also matter. This tool does not assess whether you need protection or whether a policy would pay out.
What MOVA does for you
Personal advice, from questions to cover.
You do not need to choose a policy before speaking to Steven. Start with what you want to protect.
- 01
Understand your priorities
Talk through your household, commitments, budget, sick pay and any cover you already have.
- 02
Compare and explain
Steven will assess suitable options from our protection panel and explain the recommendation, costs and key limitations.
- 03
Help you put cover in place
Get support with the application, understand the insurer’s final terms and confirm when your cover starts.
Tell us what matters
A simple place to start.
Choose your priorities and leave your contact details. Steven can then help you make sense of the next step.
- 01 New cover or an existing policy review.
- 02 Your priorities, without the jargon.
- 03 A conversation about a manageable budget.
No medical details or documents are needed in this initial enquiry.
Your questions, answered
Less jargon.
More clarity.
You don’t have to work it all out before getting in touch.
Where should I start if I’m not sure what I need?
Start with your household: who depends on you, which costs would continue and what savings, sick pay or policies are already available. We can discuss those alongside your budget before considering any cover.
How much will protection cost?
Premiums depend on the type and amount of cover, the term and your circumstances. An insurer may also consider your age, health, work and lifestyle. We’ll explain the options and any relevant costs or fees before you decide. This page does not provide an insurance quote.
Is life insurance enough for my mortgage?
Life insurance and cover for illness have different purposes. Life cover may help repay a mortgage following death during the policy term, subject to its terms. It does not usually pay your monthly bills while you’re unable to work because of illness or injury. We can discuss what your existing arrangements cover.
Can I arrange protection if I’m self-employed?
Being self-employed does not automatically rule out protection. For income protection, insurers consider how your earnings are evidenced, your occupation and their benefit limits. We can discuss the information you may need.
Will my medical history affect an application?
It may affect the insurer’s decision, premium or terms. An insurer may apply exclusions or decline an application. Answer its questions fully and accurately. Please do not send medical details through this initial enquiry form; we’ll explain the appropriate process.
What if I already have cover through work?
We’ll include it in the review. Check the benefit amount, how long it lasts, who is covered and what happens if you change jobs. Having workplace benefits does not automatically mean you need another policy.
Does completing this enquiry put cover in place?
No. It asks MOVA to contact you. It is not an application, a quote or confirmation of insurance. Any application, underwriting and policy start date are separate steps.
Your next step
Let’s talk about what matters to you.
New cover or a fresh look at an existing policy? Start with a conversation about your life today.
Prefer to call? 0330 633 0379
Cover is subject to eligibility, underwriting, policy terms and exclusions. Claims must meet the policy definitions. Any relevant premiums, fees or charges will be explained before you choose to proceed. Do not cancel existing protection until any replacement has been accepted and is in force.
